God knows I'm a strong believer in securing all firearms but if it's in a safe ... it's secure whether it's got a round chambered or not. Chambering a round certainly doesn't take any time once you get the safe open, so whatever you feel best with.
Most of my firearms are stored unloaded, but the one I would grab for HD is ready to go.
"He who is free, but cannot defend that freedom, is not truly free, but merely lucky."
"Every man is king within the reach of his own sword."